Lincoln City, Depoe Bay and Pacific City, Oregon Coast real estate, beach homes for sale, Ocean front homes, Ocean view homes - Mary McDonald, REALTOR® Mary McDonald REALTOR(r) for Lincoln City, Depoe Bay and Pacific City, Oregon real estate - NUMBER1EXPERT™ Mary McDonald NUMBER1EXPERT(tm) for Lincoln City, Depoe Bay and Pacific City, Oregon real estate
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Mary McDonald, REALTORŪ, real estate agent and broker for Lincoln City, Depoe Bay and Pacific City Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)
Oregon Coast Real Estate, ocean beach homes and property call Mary McDonald 541-992-2748, email Lc.Mary@Gmail.com, visit Mary in Lincoln City, Oregon.





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First Time Homebuyers: Lincoln City, Depoe Bay and Pacific City Oregon home buying, real estate listings, and homes for sale in Lincoln County, OR
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Lincoln City, Depoe Bay and Pacific City real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Real Estate Trivia
Q 
What is considered one of the few remaining tax shelters in the 1990s?

A 
Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
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Mary McDonald, REALTORŪ, real estate agent and broker for Lincoln City, Depoe Bay and Pacific City Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary McDonald
Coldwell Banker Gesik Realty, Inc

1815 NW Hwy 101
Lincoln City, Oregon 97367
Office: 541-994-7760
Office Toll-free: 800-959-7760
Cell: 541-992-2748
Fax: 541-994-9582
marymcdonald@NUMBER1EXPERT.com

I've been a Realtor here on the Oregon coast since 1997. Located in Lincoln City I cover from Pacific City and Neskowin south to Road's End, Lincoln City, Otis, Devil's lake, Depoe Bay, Newport, Waldport, and Yachats. I am a past owner of a beach vacation rental company, former managing partner of a coast property investment company, and former Bed and Breakfast owner/operator. I've developed a good feel of what works and what doesn't on the Oregon coast and I would be glad to share my accumulated knowledge with you. Mary McDonald, Principal Broker

CRSEqual HousingGRIMLSREALTOR


Coldwell Banker Gesik Reality, Inc real estate and homes for sale in Lincoln City, Depoe Bay and Pacific City Oregon

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